Results for "retirement"

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Surprising Social Security rules on divorce

August 16, 2017

Anyone who has read my columns about Social Security rules over the past several years undoubtedly knows that a couple must be married at least 10 years before divorcing to claim benefits on an ex-spouse's earnings record. Ho hum. But one astute...

401(k) DCIOs: Some are folding, holding and doubling down

August 16, 2017

All segments of the 401(k) market are going through the early stages of maturity, led by record keepers and broker-dealers, with advisers and asset managers following. Maturity is causing money managers focused on the defined contribution market...

How to select the right TDF for a 401(k) plan

August 15, 2017

Target-date funds are an attractive option for both plan advisers and participants. The promise of TDFs is that they are designed to protect investor assets from the risk of large losses stemming from inadequate or improper portfolio diversification....

How to fund a Social Security delay

August 11, 2017

The math is simple: For every year a person postpones claiming Social Security beyond full retirement age, benefits increase by 8% per year up to age 70, boosting benefits by up to 32%. The catch: What to do for income until then? For an increasing...

DOL fiduciary rule: Indexed, variable annuities big winners of a proposed delay

August 10, 2017

Indexed and variable annuities are the biggest winners of the Department of Labor's recently telegraphed fiduciary rule delay. Sales of the products, especially indexed annuities, would arguably have been the most adversely impacted under the...

Investors pour money into bonds, international in July

August 10, 2017

If you're an adviser, you're probably wondering: Who is pouring all that money into bond funds? It's not an easy question to answer, but at least part of the answer can be found in the mirror. Most mutual fund inflows come via the institutional...

HUD budget wording may threaten reverse mortgage protections

August 9, 2017

A small wording change in a proposed HUD budget request could change reverse mortgages and increase the risk of foreclosure for some elderly homeowners. The wording change, according to a story in The New York Times, affects 2-year-old provisions...

How one 401(k) adviser is successfully prospecting clients under the DOL fiduciary rule

August 9, 2017

The Department of Labor's fiduciary rule is expected to create a bundle of client prospecting opportunities for advisers specializing in retirement plans, as less-experienced 401(k) advisers exit the market or employers ditch them for a more...

What would Steve Jobs do if he ran the 401(k) business?

August 9, 2017

Steve Jobs was a master at getting people to buy into the Apple ecosystem. It's why so many of us have purchased not just an iPhone, but an iPad and a Mac computer, too, and have done so multiple times (in my case, at least). Steve Jobs got...

Good health is key to retirement security

August 8, 2017

The key to retirement security has traditionally focused on money. But lately, the discussion has embraced health as an increasingly important component in the retirement security equation. In fact, health status during working years and health-care...

As longevity stalls, corporations enjoy a windfall on pensions, benefits

August 8, 2017

Steady improvements in American life expectancy have stalled, and more Americans are dying at younger ages. But for companies straining under the burden of their pension obligations, the distressing trend could have a grim upside: If people...

Vanguard outsources some 403(b) record keeping to Newport Group

August 7, 2017

An earlier version of this story stated incorrectly that Vanguard waives an investment management fee for 403(b) participants if they have non-403(b) accounts with the company in excess of $50,000. It is an annual fee that is waived. Vanguard...

One family's story of 
addiction 
and finding their way out

August 5, 2017

Cathy was on the back stoop again, smoking cigarettes and talking on the phone. “I will never steal from my parents,” her mother heard her say.

Financial advice industry has a role in opioid crisis

August 5, 2017

A growing number of clients — and their families — are at risk of financial ruin. It is time for financial advisers to open their eyes to the corpse-littered wasteland that defines the national opioid crisis, and take steps to keep clients...

DOL releases new fiduciary rule FAQs focused on 401(k) plans

August 4, 2017

The Department of Labor has released a new round of answers to frequently asked questions on the fiduciary rule, focusing primarily on issues affecting defined contribution plans and retirement plan advisers. The FAQs, released Thursday afternoon,...

401(k) savings continue to hit record highs

August 3, 2017

It's happened again: Retirement savings account balances have hit all-time highs. A string of record 401(k) and IRA account totals now stretches across three consecutive quarters, according to second-quarter data from Fidelity Investments. The...

J. Mark Iwry, architect of myRA, discusses its demise

August 2, 2017

J. Mark Iwry was senior adviser to the Treasury secretary during the Obama administration, and the chief architect of the myRA program, which the Trump administration ended last week. Below are excerpts from a recent interview with him about...

A refresher course on Social Security claiming rules

August 2, 2017

By now, most financial advisers should be generally familiar with the changes to Social Security claiming rules that took effect last year. But it is the nuances of the new rules that can thwart a carefully crafted retirement income plan. Based...

How to reduce risk when doing 401(k) plan re-enrollments

August 2, 2017

Re-enrolling workers in 401(k) plans has become a prevalent plan-design element over the past decade. But retirement plan advisers should ensure they're initiating re-enrollments in a way that reduces risk both for them and the plan sponsor....

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